The Federal Reserve just dropped rates, which should help companies that use a lot of debt. Here are three to look at right now.The S&P 500 index currently offers a scant 1.3% dividend yield. The average utility is yielding about 2.9%, using the Utilities Select Sector SPDR Fund (XLU 2.64%) as an industry proxy. That's more than twice what you'd get from the average S&P 500 stock, and highlights why utilities are a good place to shop when looking for dividend stocks.Plenty of dividend stocks out there rely ...